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Zopa: Credit card reviews

Name: Credit card
Rating: 4.94 (43503 reviews)

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4.94

Based on 43,503 reviews, last reviewed 30th Mar 2026

156250% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

95%

Latest highest rating:

5

Excellent online service, resolved all issue through... Excellent online service, resolved all issue through chatting. Low interest rates, I pay 50% less compared with other credit companies with similar bo... Read more Reviewed on: 30th March 2026

Latest lowest rating:

1

Excellent my credit was not good zopa gave a credit... Excellent my credit was not good zopa gave a credit card Reviewed on: 6th March 2026

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About this product

Zopa is an award-winning credit card provider.

You can apply for a Zopa credit card online and manage your account in the Zopa app. You’ll get instant payment notifications and the Credit Cushion feature lets you set aside some of your available credit card balance.

Zopa credit card reviews help you find out what it’s really like to be a customer. If you’ve used Zopa before, you can also leave a review and share your experience.

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Awards

Best credit card provider 2025

Awarded to the credit card provider rated highest in customer reviews.

Zopa Credit card reviews (43503)

Confident and honest

The team are very honest , don't push products Reviewed on: 21st January 2023

Great service

Great company to be with. Would recommend to anyone. Reviewed on: 21st January 2023

Brilliant reliable service

Fast payments and customer service Reviewed on: 21st January 2023

Excellent for bad credit

I had no chance of getting a credit card due to bad credit but Zopa came to the rescue. Reviewed on: 21st January 2023

This card is the best on the market place

Amazing service mobile app easy to use very user friendly all round it's a really good card and service Reviewed on: 21st January 2023

Fantastic service

Brilliant app, helpful and supportive. Great service always offered. Reviewed on: 21st January 2023

Great

This is an amazing Bank. Great services Reviewed on: 21st January 2023

Best credit card

Best card for shopping online and offline Reviewed on: 21st January 2023

Excellent product

Very quick and easy to apply. Excellent customer service. Love the app and the notifications of when the card has been used. Great product for those who can struggle to be accepted. Great to feel included. Reviewed on: 20th January 2023

My first credit card in the UK

Moved to the UK since 2018. Having a credit card was never a problem since I was 18 but I found it so difficult to apply one here. Zopa gave me my first credit card in this country. Without Zopa, I could never build up my credit score at all although I always have a permanent job. Reviewed on: 20th January 2023

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